Payment methods in Ghana

MMI allows users of any mobile money network to send money to users on any other network or bank account seamlessly. Ghana was among the first countries in Africa to achieve full mobile money interoperability, significantly boosting adoption.

Competing mobile money platforms that together hold the remaining ~27% of Ghana's mobile money market. All three networks are interoperable via Mobile Money Interoperability (MMI), enabling cross-network transfers.

GIP enables real-time account-to-account transfers between banks and between banks and mobile money wallets. It underpins internet banking and mobile banking applications across Ghana's commercial banks.

MTN MoMo is the leading mobile money service in Eswatini, offering P2P transfers, merchant payments, bill payments, airtime top-up, and savings products. It is the primary digital financial tool for the unbanked population and is widely used even by banked consumers for everyday payments. MTN Eswatini has the largest mobile subscriber base in the country.

EcobankPay (via the Ecobank Mobile app) offers QR-based scan-to-pay and account payments across 33 African countries. Operator: Ecobank Transnational Inc. Est. users: 4M+ app users (multi-country).

Chipper Cash is a pan-African wallet for free cross-border transfers, bill pay, virtual cards and online payments across seven markets. Operator: Chipper Technologies Inc. Est. users: 7M+ users (2024).